Natural hazards · Hardin

Hardin, TX natural hazards

Most of the natural-hazard damage FEMA expects in Hardin comes from inland flooding, and overall the risk is moderate for a U.S. community. Flood insurance has paid 5 claims here since 1979. 10 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Hardin?

Moderate

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Hardin to be higher than in 59% of U.S. communities, mostly from inland flooding and tornadoes.

Inland flooding30%Tornadoes26%Hurricanes21%Cold waves7%Everything else16%

By hazard

What Hardin faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

30% of expected damage

Below average · higher than 45% of U.S. places

Recorded about 2 times a year in the area

Tornadoes

26% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 9 years in the area

Hurricanes

21% of expected damage

Well above average · higher than 88% of U.S. places

Recorded about once every 6 years in the area

Cold waves

7% of expected damage

Well above average · higher than 83% of U.S. places

Recorded about once every 2 years in the area

Lower here

HailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesStrong windLightningDrought

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Hardin flood?

Every paid claim on a federal flood insurance policy in Hardin, from FEMA’s records.

5paid claims since 1979

$59Kpaid to owners

1homes flooded more than once

19792026

Biggest named events

Tropical Storm Claudette: 1 claim, $961
Hurricane Harvey: 1 claim, $1K
Fall severe storms: 1 claim, $19K

Homes that flooded again and again

■ FEMA “severe repetitive loss” (0) ■ flooded 2+ times

of homes in flood zones
are insured

of all homes
are insured

No community discount. Hardin isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Liberty County.

What’s been done with FEMA grants

7flood-prone properties bought out and cleared

Disasters that hit Hardin

10 federal disasters brought FEMA money here

Disasters the President declared that paid out in Hardin itself: aid to households, or repair grants to the City of Hardin.

Brought FEMA money into HardinDeclared for Liberty County only

2024

Hurricane Beryl

9 households applied for aid $8K aid approved

2024

Severe Storms, Straight-Line Winds, Tornadoes, and Flooding

12 households applied for aid $118K aid approved

2021

Severe Winter Storms

2 households applied for aid

2019

Tropical Storm Imelda

2 households applied for aid $4K aid approved

2017

Hurricane Harvey

50 households applied for aid $123K aid approved $28K to the City of Hardin for repairs

2016

Severe Storms and Flooding

24 households applied for aid $10K aid approved

2015

Severe Storms, Tornadoes, Straight-Line Winds and Flooding

38 households applied for aid $67K aid approved $10K to the City of Hardin for repairs

2008

Hurricane Ike

260 households applied for aid $438K aid approved $2K to the City of Hardin for repairs

2005

Hurricane Rita

648 households applied for aid $976K aid approved $1K to the City of Hardin for repairs

2002

Severe Storms, Tornadoes and Flooding

9 households applied for aid $31K aid approved

Liberty County has had 31 natural disasters declared since 1953, most often floods and hurricanes.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Hardin is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Hardin’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Hardin. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.